PSU bank promotion exams, Multiple-choice questions (MCQs) 2025-2026 promotion test.
PSU Bank Promotion Exam MCQs (2025-2026)
Prepare for your upcoming promotion test with these curated questions covering the latest guidelines on KYC, Priority Sector Lending, Asset Classification, Forex, and Digital Banking.
Set 1: KYC and Customer Operations
| Q.No | Question | Options | Answer |
|---|---|---|---|
| 1 | In a Partnership Firm, the Beneficial Owner is the natural person owning more than what % of capital/profits? | (A) 5% (B) 10% (C) 15% (D) 25% | (B) 10% |
| 2 | Which entity is typically classified under the Low Risk category for KYC? | (A) Pvt Company (B) Charitable Trust (C) HNI (D) Govt Department | (D) Government Department |
| 3 | Interest rate payable on Unclaimed Deposits refunded from the DEA Fund? | (A) 2% (B) 3% (C) 4% (D) Savings Rate | (B) 3% |
| 4 | Max credit allowed to a foreign student in India for the initial 30 days? | (A) \$500 (B) \$1,000 (C) \$2,500 (D) \$5,000 | (B) USD 1,000 |
| 5 | Time limit to upload renewal documents to CKYCR portal? | (A) 3 days (B) 7 days (C) 15 days (D) 30 days | (B) 7 days |
Set 2: Priority Sector Lending (PSL)
| Q.No | Question | Options | Answer |
|---|---|---|---|
| 1 | Export Credit target for a Foreign Bank with 18 branches? | (A) 12% (B) 18% (C) Max 32% (D) 40% | (C) Max 32% of ANBC |
| 2 | Max carpet area for Affordable Housing PSL classification? | (A) 50 sqm (B) 60 sqm (C) 75 sqm (D) 90 sqm | (B) 60 square meters |
| 3 | Max PSL loan amount classified for a Startup? | (A) ₹25 Cr (B) ₹50 Cr (C) ₹75 Cr (D) ₹100 Cr | (B) ₹50 Crore |
| 4 | Max cost of dwelling unit (Metros) for Home Loan PSL classification? | (A) ₹45 L (B) ₹50 L (C) ₹63 L (D) ₹75 L | (C) ₹63 Lakh |
| 5 | Max credit limit for Artisans under Weaker Section PSL? | (A) ₹1 L (B) ₹2 L (C) ₹5 L (D) ₹10 L | (B) ₹2 Lakh |
Set 3: Asset Classification and Risk
| Q.No | Question | Options | Answer |
|---|---|---|---|
| 1 | Provisioning required for a Secured Doubtful Loan (up to 2 years)? | (A) 25% (B) 40% (C) 50% (D) 100% | (B) 40% |
| 2 | Risk weight assigned to Credit Card Receivables for CAR? | (A) 100% (B) 125% (C) 150% (D) 200% | (C) 150% |
| 3 | Satisfactory performance period to upgrade Stressed Assets to Standard? | (A) 6 mths (B) 1 year (C) 18 mths (D) 2 years | (B) 1 year |
| 4 | Restructured Project Loans can remain Standard for how long from original DCCO? | (A) 1 yr (B) 2 yrs (C) 3 yrs (D) 5 yrs | (B) Up to 2 years |
| 5 | Stock & Receivable Audit mandatory for limits of what amount? | (A) ₹1 Cr (B) ₹3 Cr (C) ₹5 Cr (D) ₹10 Cr | (C) ₹5 Crore and above |
Set 4: Foreign Exchange and Remittances
| Q.No | Question | Options | Answer |
|---|---|---|---|
| 1 | Max exposure limit to a Single Party (% of Tier I Capital)? | (A) 15% (B) 20% (C) 25% (D) 30% | (B) 20% |
| 2 | Max aggregate exposure for Lending to Capital Market? | (A) 20% (B) 40% (C) 50% (D) 75% | (B) 40% of Net Worth |
| 3 | Min and Max term for NRE Term Deposits? | (A) 6m-5y (B) 1y-5y (C) 1y-10y (D) 6m-10y | (C) 1 yr to 10 yrs |
| 4 | LRS limit for Capital Account Transactions per FY? | (A) $100k (B) $200k (C) $250k (D) $500k | (C) USD 250,000 |
| 5 | Which account represents "Our Money With You" in a foreign country? | (A) Loro (B) Vostro (C) Nostro (D) Clearing | (C) Nostro Account |
Set 5: Schemes and Digital Banking
| Q.No | Question | Options | Answer |
|---|---|---|---|
| 1 | Cooling period for UPI transactions after PIN reset? | (A) 1 hr (B) 6 hrs (C) 12 hrs (D) 24 hrs | (D) 24 hours |
| 2 | Max deposit per FY under Sukanya Samriddhi Scheme? | (A) ₹1L (B) ₹1.5L (C) ₹3L (D) No limit | (B) ₹1,50,000 |
| 3 | Card transaction required within how many days for Insurance coverage? | (A) 30 days (B) 45 days (C) 60 days (D) 90 days | (B) 45 days |
| 4 | Total Margin / Cash Margin for guarantees to Stock Brokers? | (A) 25/10 (B) 50/25 (C) 60/30 (D) 75/50 | (B) 50% and 25% |
| 5 | Pensioner transactions eligible for RBI Agency Commission per year? | (A) 12 (B) 14 (C) 18 (D) 24 | (B) 14 |
Disclaimer: These questions are based on general banking guidelines relevant for 2025-26 promotion exams. Please refer to specific internal circulars of your bank for variations in policy.
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